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The 1992 Energy Policy Act requires states to consider adopting the 1992 Model Energy Code, published by the Council of American Building Officials. In the 19 states where energy codes already meet or exceed the MEC, builders will be unaffected. If any of the other 31 states adopt the MEC or something like it, builders may be required to use more efficient windows and doors, and to install more insulation in walls and ceilings. The code will also influence the selection of hvac, water-heating, and lighting equipment. Many builders worry that the extra construction costs — and resulting higher mortgage payments — imposed by mandated energy codes like the MEC will drive buyers out of the market. Supporters of